{"uid":"cap_xiQF8ANdjb18Z8hVzKfKc","slug":"locus-nfip-claims-property-scan-7d3fed8c","name":"Locus NFIP Claims Property Scan","description":"Returns the same OpenFEMA NFIP county claim totals as the free route: count, total paid for building and contents, year range, and top rated flood zones. Returns the same records as locus_nfip_claims. Use this when your client can only call paid x402 routes. Use locus_nfip_claims instead when you can call Locus free tools (REST tools/call or MCP).","url":"https://api.locus.report/api/locus-nfip-claims?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"address":{"type":"string","maxLength":200,"minLength":5},"latitude":{"type":"number","maximum":90,"minimum":-90},"longitude":{"type":"number","maximum":180,"minimum":-180}}},"responseSchema":{"type":"json","example":{"ok":true,"note":"Awareness/diagnostic only. Full briefs are x402-paid. Agents can discover live free tools at https://api.locus.report/tools/list and paid tools, prices, and manifests at https://api.locus.report/.well-known/ai-tool/index.json.","point":{"latitude":35.78041800000319,"longitude":-78.63910200000142},"capped":false,"county":{"name":"Wake County","fips5":"37183","state":"NC"},"caveats":["NFIP claims are REDACTED federal records aggregated to the COUNTY here - no address, owner, or other personally identifiable information.","These are paid flood-insurance claims only, not all flood losses and not all insurance claims; many flood-damaged properties carry no NFIP policy.","A claim count or dollar total is a historical fact for the county, NOT a prediction, a risk score, or a statement about any specific property."],"coverage":"covered","yearRange":{"to":2026,"from":1978},"claimCount":1642,"provenance":{"source":"FEMA OpenFEMA - NfipClaims v3 (redacted, county-aggregated)","coverage":"national (NFIP-participating communities), county FIPS","endpoint":"https://www.fema.gov/api/open/v3/NfipClaims","sourcePage":"https://www.fema.gov/openfema-data-page/nfip-redacted-claims-v3"},"verifyNext":[{"url":"https://www.fema.gov/openfema-data-page/nfip-redacted-claims-v3","step":"Open the NfipClaims v3 dataset on OpenFEMA to inspect the underlying redacted rows."},{"url":"https://hazards.fema.gov/femaportal/wps/portal/NFHLWMS","step":"Check the FEMA National Flood Hazard Layer for the current mapped flood zone at the address."}],"totalPaidUsd":31252564,"topFloodZones":[{"zone":"AE","claims":681},{"zone":"X","claims":499},{"zone":"A13","claims":119},{"zone":"C","claims":59},{"zone":"(unrated)","claims":51},{"zone":"A04","claims":46},{"zone":"A03","claims":28},{"zone":"B","claims":24}],"claimsAnalyzed":1642,"mitigationHistory":{"capped":false,"status":"ok","caveats":["Mitigation sites are aggregated to the COUNTY here. No property-level attribute is returned: the source rows carry purchase price, building size, elevation and tenancy fields that could identify a specific bought-out home.","These are FEMA-funded project sites only. Buyouts and elevations funded by states, counties, or municipalities without FEMA assistance are not represented, so this understates total mitigation activity.","A project site is a historical record of work funded or proposed, not a flood prediction, a statement about any specific property, or an indication of current flood risk.","Where FEMA mitigation money went reflects grant applications and local capacity as well as hazard; a low count does not mean low flood exposure."],"siteCount":150,"activities":[{"sites":87,"activity":"Acquisition"},{"sites":32,"activity":"Other"},{"sites":28,"activity":"Elevation"},{"sites":1,"activity":"Floodproofing"},{"sites":1,"activity":"Flood Mitigation"},{"sites":1,"activity":"Tornado saferoom"}],"provenance":{"source":"FEMA Hazard Mitigation Assistance subapplication project site inventories (OpenFEMA)","coverage":"national (HMGP / FMA / BRIC programs), aggregated to county","serviceUrl":"https://www.fema.gov/api/open/v1/HmaSubapplicationsProjectSiteInventories","sourcePage":"https://www.fema.gov/about/openfema/data-sets"},"sitesAnalyzed":150,"acquisitionSites":87,"subapplicationCount":35,"substantiallyDamagedSites":84}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_BUh4RY6BbVIndY9g82Q_x","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Retrieves NFIP (National Flood Insurance Program) claims records and flood risk signals for a US property by address or ZIP code.","exampleAgentPrompt":"Can you pull the NFIP flood claims history and flood risk signals for 742 Evergreen Terrace, Springfield, IL 62704? I want to know if this property has had any past flood insurance claims before I make an offer.","exampleUseCases":null,"resultDescription":"Returns a JSON object containing an id, a generatedAt timestamp, an array of NFIP flood claim records associated with the property, and any caveats about data availability or limitations.","failureModes":["Address not found or unresolvable — records array may be empty","ZIP code too broad to return parcel-level results — only aggregated signals returned","Invalid or missing address/zip input — API returns validation error","No NFIP claims on record — returns empty records array, not an error","Service temporarily unavailable — HTTP 5xx response"],"whenToPreferThis":"Use this endpoint when you need NFIP flood claims history and flood risk signals for a specific US property or ZIP code, especially during real estate due diligence, property risk assessment, or insurance research. Prefer this over generic property data APIs when flood claim history is the primary concern.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-29T07:03:36.983Z","isFirstParty":false,"canonicalSlug":"locus-nfip-claims-property-scan-7d3fed8c"}